Cyber
Cyber insurers use application questionnaires to assess your security posture before binding. High-risk answers or missing security controls can trigger declinations or sublimits. Controls that matter most in 2026: multi-factor authentication (MFA) on all email and administrative accounts (now required by most carriers), endpoint detection and response (EDR), regular data backups stored off-network, and employee phishing training. If your business lacks MFA, some carriers will either decline coverage or add a ransomware sublimit. We review your control environment before submitting applications.
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